Ch. 13 Bankruptcy

Can Orange County Chapter 13 Bankruptcy Help Clear Your Debt?

When you’re deeply in debt climbing your way out seems impossible. You want to pay back what you owe, but mounting financial pressures and the cost of ordinary living make paying off debts seem a faraway dream.

In these cases Filing for Chapter 13 bankruptcy can be the extra boost you need to start paying back debts and restore your good credit.

Christiansen Law Office takes pride in helping individuals file for Chapter 13 bankruptcy and establishes viable repayment plans for debts. As a qualified bankruptcy attorney and Chapter 13 attorney, Christiansen Law Office has helped numerous debtors recover from their debt and return to living financially healthy lives.

We’ll help you with all the particulars and paperwork involved in establishing Chapter 13, including:

  • Analyzing your debt
  • Determine eligibility and gauge your income
  • Establish your property end exemptions
  • Complete and file all forms
  • Represent you at creditors meetings and court hearings 

Let Our Orange County Chapter 13 Bankruptcy Lawyer Help You

Beyond guiding you through the Chapter 13 process, Christiansen Law Office will instruct you as to the best course of action. Chapter 13 isn’t for everyone, and there are numerous factors to consider. No matter your situation, you can always trust Christiansen Law Office to provide honest legal counsel that helps with your debt.

Start Paying Back Your Debt With the Help of an experienced, caring bankruptcy lawyer.

To schedule a free consultation, please call Christiansen Law Office today!

Why you should consider filing Chapter 13 Bankruptcy

You Can Save Your Home from Foreclosure: Should you find yourself behind 60 or more days on your house payments and are being threatened with foreclosure, a Chapter 13 payment plan can allow you to catch up your deficient payments over 3-5-years. Please note that a Chapter 13 Bankruptcy MUST be filed prior to a foreclosure sheriff’s sale auction of the property in order to accomplish this.

Another benefit is no liquidation of your personal assets in Chapter 13. Chapter 13 may be your best option if you have a property that would be seized and sold off in Chapter 7 if you want to retain that property.

You can Discharge the 2nd Mortgage:  If you file for Chapter 13, we can pursue a “lien strip,” which will remove and discharge your liability to make payments on a second mortgage or home equity line of credit. The property must be worth less in fair market value than you owe on a first mortgage.

You can Pay Off Tax Debt, Child Support back payments, and Other Debts Over 3-5 Years at zero % Interest. Tax debts and other non-dischargeable debts, with the exception of student loans, can also be paid off through a Chapter 13 Plan at 0% interest.

There are many advantages that Chapter 13 provides that we will discuss in our consultation.

A Chapter 13 Bankruptcy is an extremely complicated process, and it is vital that you secure an experienced bankruptcy attorney to help you through it.